Top Health Insurance Providers for Expats in Hungary

Expats in Hungary need reliable health insurance to ensure access to quality medical care. Top insurers like Bupa, Cigna, AXA, Allianz, Passport Card, VUMI, William Russell, GeoBlue, DavidShield, and IMG Global offer comprehensive health coverage tailored to expats’ needs. These providers offer a range of plans, including inpatient and outpatient care, emergency evacuations, dental services, and wellness benefits, giving expats peace of mind during their stay in Hungary. 

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This article highlights the best health insurance options available in Hungary, detailing the plans offered by leading insurance companies. We also explain how working with a broker can help you find the best policy suited to your needs and budget. 

Leading Health Insurance Providers for Expats in Hungary

Image of Hungarian Parliament Building In Budapest, Hungary with text overlay of "Leading Health Insurance Providers for Expats"

Bupa, Cigna, AXA, Allianz, Passport Card,  VUMI, William Russell, Geoblue, DavidShield, and IMG Global are among the best health insurance companies in Hungary for expats. They provide expats with the most comprehensive coverage and peace of mind. 

For convenience, we’ve listed the insurers below for your perusal: 

  • Bupa: Known for comprehensive health insurance plans with high annual limits and extensive coverage, including dental care and medical evacuations.
  • Cigna: Known for customizable health insurance plans that can be tailored to meet the specific needs of expats.
  • AXA: Offers a variety of health insurance plans covering inpatient and outpatient treatments, medical evacuation, and preventive care.
  • Allianz: Provides global coverage with a range of plans from basic to comprehensive care, including inpatient and outpatient treatments.
  • Passport Card: Offers seamless access to healthcare services for expatriates, including a pre-paid card for direct payment at the point of service.
  • VUMI: provides expatriate individuals and families with extensive coverage for medical expenses, evacuations, repatriations, and worldwide assistance services. 
  • William Russell: Provides international health insurance with comprehensive medical coverage, dental care, and medical evacuation services.
  • GeoBlue: Provides health insurance plans with global coverage, including inpatient and outpatient treatments and medical evacuation.
  • DavidShield: Offers global health insurance with flexible plans, comprehensive coverage, and excellent customer support tailored for expats.
  • IMG Global Insurance: IMG Global Insurance’s expatriate-specific international health insurance plans cover medical expenses, emergency evacuations, and wellness benefits.

1. Bupa Global: Comprehensive Health Insurance Plans for Expats in Hungary

Bupa Global offers comprehensive international health insurance plans that cover medical care, dental, maternity, mental health, and emergency evacuations. They feature extensive global networks and outstanding customer support, making them ideal for expats.

The health insurance plans provided by Bupa Global are as follows:

Select Global Health Plan

  • Annual Limit: USD $1,587,100
  • Coverage: Health screenings and wellness checks (after a waiting period), medical evacuation.

Premier Global Health Plan

  • Annual Limit: USD $2,380,600
  • Coverage: Worldwide coverage, health screenings, wellness checks (after a waiting period), vaccinations, dental, and optical coverage.

Major Medical Global Health Plan

  • Annual Limit: USD $3,174,200
  • Coverage: Worldwide coverage, medical evacuation, sudden unexpected emergencies, major medical expenses, and repatriation.

2. Cigna: Customizable Health Insurance Options for Expats in Hungary 

Cigna offers customizable health insurance plans in tiers such as Silver, Gold, and Platinum. These plans provide extensive health benefits, including medical evacuation, routine check-ups, and dental and vision care.

Here are some of the health insurance options from Cigna Global:

Silver Health Insurance Plan

  • Annual Limit: USD $1,000,000
  • Coverage: Core medical benefits like inpatient and outpatient care, specialized cancer care, and mental health care up to $5,000. It also includes private hospital rooms, transplant services, and palliative care.

Gold Health Insurance Plan

  • Annual Limit: USD $2,000,000
  • Coverage: All benefits of the Silver plan, plus routine maternity care up to $7,000, coverage for pregnancy complications and newborn care, advanced imaging, rehabilitation services, home nursing, treatment for obesity, and care for congenital conditions. 

Platinum Health Insurance Plan

  • Annual Limit: Unlimited
  • Coverage: All benefits of the Gold plan, with most benefits paid in full. It offers complete coverage for inpatient and outpatient care, comprehensive cancer care, full mental and behavioral health care, and routine maternity inpatient care up to $14,000.

Close Care Health Insurance Plan

  • Annual Limit: USD $500,000
  • Coverage: Core medical benefits, cancer care, and semi-private rooms for inpatient and outpatient care. It also covers emergency hospitalization for short trips up to $40,000. Note that this plan excludes medical evacuation, maternity care, and travel safety services.

3. AXA: Wide-Ranging Health Coverage for Expats in Hungary

AXA provides a range of international health insurance plans, including Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. These plans offer coverage for medical treatments, dental care, and emergency evacuation services, making AXA an excellent option for expatriates.

Here are the health insurance plans offered by AXA:

Foundation Plan

  • Annual Limit: USD $160,000
  • Coverage: Inpatient hospital charges and surgeries, emergency care, medical evacuation and repatriation, cancer treatments, ambulance transport, optional outpatient treatment, and drugs.

Standard Plan

  • Annual Limit: USD $1,600,000
  • Coverage: All benefits of the Foundation plan, plus dental care (excluding check-ups), a higher annual limit, optional outpatient treatment, and drugs.

Comprehensive Plan

  • Annual Limit: USD $2,400,000
  • Coverage: All benefits of the Standard plan, plus coverage for chronic conditions, eye tests and prescription glasses, outpatient treatment, tests, and vaccinations.

Prestige Plan

  • Annual Limit: USD $3,200,000
  • Coverage: All benefits of the Comprehensive Plan, plus routine pregnancy care, annual health checks, and a higher annual limit.

Prestige Plus Plan

  • Annual Limit: USD $8,000,000
  • Coverage: Includes all benefits of the Prestige plan with the highest annual limit offered by AXA.

4. Allianz: Trusted Global Health Insurance for Expats in Hungary

Allianz offers a variety of health insurance plans with worldwide coverage, including Essential, Classic, and Premier options. These plans cover inpatient and outpatient treatments, dental care, and medical evacuations. Allianz is well-known for its extensive network and reliable customer service.

Here are some of the health coverage options provided by Allianz Worldwide Care:

Allianz Care Plan

  • Annual Limit: USD $2,500,000
  • Coverage: Semi-private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency outpatient treatment.

Allianz Care Plus Plan

  • Annual Limit: USD $4,000,000
  • Coverage: Private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency outpatient, and dental treatment.

Allianz Care Pro Plan

  • Annual Limit: USD $5,000,000
  • Coverage: Private inpatient/day-care room, oncology, medical evacuation, nursing at home, rehabilitation treatment, emergency outpatient and dental treatment, preventive surgery, laser eye treatment.

5. Passport Card: Seamless Healthcare Access for Expats in Hungary

Image of Statue Of A Person Riding A Horse At Fisherman's Bastion, Budapest with text overlay of "Passport Card"

PassportCard plans are designed to provide global health insurance solutions for expatriates, offering seamless access to healthcare services with the unique benefit of a pre-paid card for direct payment at the point of service.

Here are the health insurance plans available from PassportCard, detailed with annual limits and coverage information:

PassportCard Compact

  • Annual Limit: USD $1,000,000
  • Coverage: Includes physician visits, hospitalization, surgery, lab tests & X-rays, and partial coverage for specialist visits.

PassportCard Comfort

  • Annual Limit: USD $3,500,000
  • Coverage: Includes physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.

PassportCard Premium

  • Annual Limit: USD $5,000,000
  • Coverage: Full coverage for physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.

6. VUMI: Extensive Medical Coverage for Expats in Hungary

VUMI (VIP Universal Medical Insurance Group) offers a range of international health insurance plans designed to provide comprehensive coverage for individuals and families. Here are some of VUMI’s international health insurance plans:

Elite Care

  • Annual Limit: USD $8,000,000
  • Coverage: Comprehensive global health insurance, including physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, emergency evacuation, repatriation, and worldwide assistance services.

Prestige Care

  • Annual Limit: USD $5,000,000
  • Coverage: Extensive coverage for major medical expenses, preventive care, wellness benefits, physician visits, hospitalization, surgery, lab tests & X-rays, and access to an international healthcare provider network.

Select Care

  • Annual Limit: USD $3,000,000
  • Coverage: Essential medical coverage includes physician visits, hospitalization, surgery, lab tests & X-rays, outpatient care, and emergency services, with a focus on robust coverage and manageable premiums.

Secure Care

  • Annual Limit: USD $2,000,000
  • Coverage: Security-focused plan covering emergency medical care, inpatient and outpatient services, physician visits, hospitalization, surgery, lab tests & X-rays, and medical evacuation.

Essential Care

  • Annual Limit: USD $1,000,000
  • Coverage: Basic but comprehensive medical coverage, including physician visits, hospitalization, surgery, lab tests & X-rays, outpatient care, and emergency services, is ideal for those seeking affordable health protection.

7. William Russell: International Health Insurance Plans in Hungary

William Russell specializes in health insurance for expatriates, offering plans such as Bronze, SilverLite, Silver, and Gold. These plans cover medical expenses, maternity care, dental care, and emergency medical evacuations.

Here are some of the health insurance options available from William Russell:

Bronze Plan

  • Annual Limit: USD $1,500,000
  • Coverage: Provides semi-private rooms with an option to upgrade to a private room. It offers full coverage for hospital treatment, parent accommodation, and advanced diagnostic tests. Local ambulance services are fully covered.

SilverLite Plan

  • Annual Limit: USD $1,500,000
  • Coverage: Includes semi-private rooms with the option to upgrade to a private room. Covers hospital treatment, parent accommodation, and advanced diagnostic tests in full. Local ambulance services are covered up to USD $1,600.

Silver Plan

  • Annual Limit: USD $2,500,000
  • Coverage: Features private rooms as standard. Provides full coverage for hospital treatment, parent accommodation, and advanced diagnostic tests. Local ambulance services are fully covered. Offers a hospital cash benefit of up to USD $200 per night, with a maximum of 60 nights.

Gold Plan

  • Annual Limit: USD $5,000,000
  • Coverage: Includes private rooms. Offers full coverage for hospital treatment, parent accommodation, and advanced diagnostic tests, as well as local ambulance services. Provides a hospital cash benefit of up to USD $350 per night, with a maximum of 60 nights.

8. GeoBlue: Global Coverage for Expat Health Needs in Hungary

GeoBlue is a leading provider of international health insurance, designed to meet the needs of global travelers, expatriates, and international students. Their extensive network of providers and dependable customer service make GeoBlue a trusted choice for individuals living or traveling abroad.

Here are some of the health insurance options available from GeoBlue

Xplorer Essential Plan

  • Annual Limit: Unlimited
  • Coverage: Includes comprehensive medical benefits for both inpatient and outpatient care, emergency medical evacuations, and prescription drug coverage. This plan is ideal for expatriates seeking robust health coverage abroad.

Xplorer Premier Plan

  • Annual Limit: Unlimited
  • Coverage: Offers all benefits of the Xplorer Essential Plan, with additional coverage for preventative care, mental health services, and wellness programs. This plan provides extensive health coverage for those looking for premium benefits.

Navigator Plan

  • Annual Limit: Unlimited
  • Coverage: Designed for international students and faculty, this plan includes medical coverage for inpatient and outpatient care, emergency medical evacuations, and repatriation services. It ensures that students and educators are well-protected while studying or working abroad.

Voyager Choice Plan

  • Annual Limit: Based on selected options
  • Coverage: Tailored for short-term travelers, this plan covers emergency medical care, hospital stays, and medical evacuations. It is perfect for individuals taking short trips outside their home country.

9. DavidShield: Flexible Health Insurance Plans for Expats in Hungary

DavidShield plans are designed to meet the diverse needs of expatriates and international travelers, ensuring they have access to quality healthcare services worldwide. They provide expats with adequate coverage for physician visits, surgeries, and specialist visits abroad.

Here are the health insurance plans offered by DavidShield:

DavidShield Compact

  • Annual Limit: USD $1,000,000
  • Coverage: Includes physician visits, hospitalization, surgery, lab tests & X-rays, and partial coverage for specialist visits.

DavidShield Comfort

  • Annual Limit: USD $3,500,000
  • Coverage: Includes physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.

DavidShield Premium

  • Annual Limit: USD $5,000,000
  • Coverage: Full coverage for physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.

10. IMG Global: Tailored Health Insurance for Expat Families in Hungary

IMG Global Insurance offers specialized international and travel health insurance plans for individuals, families, and businesses. Their comprehensive coverage options are designed to meet the unique needs of expatriates. Here are the available health insurance plans from IMG:

Bronze Plan

  • Annual Limit: USD $1,000,000
  • Coverage: Includes physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.

Silver Plan

  • Annual Limit: USD $5,000,000
  • Coverage: Includes physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.

Gold Plan

  • Annual Limit: USD $5,000,000
  • Coverage: Provides full coverage for physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.

Platinum Plan

  • Annual Limit: USD $8,000,000
  • Coverage: Offers full coverage for physician visits, hospitalization, surgery, lab tests & X-rays, physical therapy, and partial coverage for specialist visits.

Benefits of Working with an Insurance Broker in Hungary

In the realm of insurance, a broker’s help could determine whether you’ll receive adequate health coverage from your health insurance plan or have your claims rejected. Policy clarity, personalized coverage, policy and claim support, after-sales assistance, and local expertise are their services.

Here are the key benefits of working with a broker:

  • Policy Clarification: Brokers clearly explain the details of various insurance policies, helping expats make informed decisions to maximize their benefits.
  • Tailored Coverage: Brokers assist in finding health insurance plans that are specifically tailored to your unique needs and financial constraints, ensuring personalized and budget-friendly coverage.
  • Policy and Claim Support: Collaborating with a broker provides invaluable help with filing claims, policy renewals, and managing essential paperwork with insurers.
  • Post-Sale Assistance: The after-sales support provided by brokers is crucial. Expats can rely on them for ongoing assistance with any health insurance-related queries throughout their stay abroad.
  • Local Expertise: Brokers possess deep knowledge of the local insurance market, regulations, and healthcare providers. This allows them to recommend insurance plans that align with your specific healthcare requirements and preferences.

Frequently Asked Questions

What should expats consider when selecting a health insurance plan in Hungary?

Expats in Hungary should assess coverage, network accessibility, cost-effectiveness, and additional services like dental care and emergency evacuation when selecting health insurance.

How can expats find the most suitable health insurance plan for their needs in Hungary?

Expats should research plans from insurers like Bupa, Cigna, AXA, Allianz, Passport Card, VUMI, William Russell, GeoBlue, DavidShield, and IMG Global. Consulting with a broker and reviewing customer feedback helps find the right plan.

What tips can help expats navigate the process of filing health insurance claims in Hungary?

To file health insurance claims in Hungary, expats should understand policy terms, maintain detailed records, notify insurers promptly after treatment, and seek guidance from brokers or customer service for smooth processing.

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Conclusion 

Expats can choose from a variety of plans offered by top insurance providers, including, but not limited to, IMG Global,, Bupa, Cigna, AXA, Allianz, Passport Card, VUMI, William Russell, Geoblue, and DavidShield. These insurers provide comprehensive coverage and peace of mind. 

While you’re at it, it’s worth reading about the top 10 insurance companies in Costa Rica, and the top 10 insurance companies in the Bahamas. These are among a few articles that we’ve compiled for our globetrotting clients.

With over 1,000 employees and vast insurance expertise across four continents, Pacific Prime ensures that expats in Hungary receive top-tier health insurance coverage, aiding in a seamless and secure transition to their new home.

Gain peace of mind by comparing quotes or reaching out to us today.

Content Writer/Marketer at Pacific Prime
Piyanat is a Marketer and SEO Content Writer with an affinity for storytelling and marketing. He works with a team of experienced professionals at Pacific Prime who create a range of engaging and informative content aimed at helping both individuals and companies understand the importance of and benefits of insurance.

Upon graduating from Mahidol University International College’s International Relations program, he spent his career in marketing and business development, working for an international subcontractor, a marketing research firm, an international news agency, a software development company, and a creative agency. His journey now continues at Pacific Prime, where he hopes to make an impact by simplifying insurance and writing a gargantuan amount of SEO articles to draw in billions of leads.

In his free time, Piyanat is an avid martial artist and musician, spending most of his time at boxing gyms in Nakhon Pathom and music studios with his friends in the music industry.
Piyanat Jantharot
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